Best Cheap Insurance for a Ford Fusion in New Hampshire

We always joke that when we write about auto insurance, the words cheap or affordable should not appear anywhere to describe car insurance rates. Despite the oxymoron, cheap auto insurance for a Ford Fusion does not exist. Don’t let that spoil your day, because we will teach you how you can quote car insurance that is affordable.

Your chances of buying cheaper auto insurance for a Ford Fusion in New Hampshire depends upon a fairly complex equation with a lot of factors such as miles driven annually, if you have ever had a gap in coverage, and if you had any at-fault accidents in the last few years. Drivers will pay around $780 each year for Fusion insurance, but that amount is a ballpark figure based on rates for a 50-year-old married male who needs full physical damage coverage and $100 physical damage deductibles.

Chances are good that you are not 50 years old and maybe not even male, you might be single instead of married, or maybe you’ve had an at-fault accident or two. Just a minor difference in rating variables or coverage information can make a large difference in the cost of a policy.

This illustrates why the only way to find the cheapest insurance price for your Ford is to regularly compare rates at renewal. Comparing quotes is easy and you can get rates from some of the cheapest companies that insure vehicles in New Hampshire.

View Ford Fusion Insurance Rates

The specific model of Fusion tends to impact the coverage cost, so the price you pay to insure a Fusion S 4-Dr Sedan trim level will be $152 less than the price to insure the more well-appointed Fusion Sport AWD 4-Dr Sedan trim level, as shown below.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Hampshire minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in garaging location in New Hampshire which can change coverage prices greatly.

Selecting the best company is difficult considering how many companies there are in New Hampshire. The company information shown below may help you analyze which car insurance providers you want to consider when comparing rate quotes.

These ratings are for the largest auto insurers in America, so smaller regional companies are not factored into these rankings. To compare rates from many more New Hampshire auto insurance companies, just click here.

Discounts on the best cheap insurance for a Ford Fusion in New Hampshire

Insurance companies that sell policies for a Ford Fusion may also give you price discounts that could lower prices by 35% or more if you can meet the requirements. A list of companies and some of the premium reductions they offer are outlined below.

The diagram below illustrates the difference between insurance costs with and without discounts applied. The data is based on a male driver, no claims or violations, New Hampshire state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, marriage, anti-theft, safe-driver, defensive driving course, and vehicle safety discounts applied. In this example, the average amount saved each year on auto insurance for a Ford Fusion is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3003,2165],[‘Age 30’, 1549,1129],[‘Age 40’, 1545,1123],[‘Age 50’, 1401,1019],[‘Age 60’, 1355,985],[‘Age 70’, 1631,1181]]);var options = {title: ‘Insurance Premium Comparison for a Ford Fusion’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

How accidents and tickets impact rates

The common sense way to maintain the best auto insurance rates in New Hampshire for a Fusion is to be an attentive driver and not receive tickets or have accidents. The example below shows how traffic citations and at-fault accidents can affect auto insurance rates for different categories of driver ages. The data is based on a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2587,3165,5131],[‘Age 30’, 1365,1939,3905],[‘Age 40’, 1305,1883,3849],[‘Age 50’, 1195,1771,3735],[‘Age 60’, 1175,1749,3715],[‘Age 70’, 1339,1911,3879]]);var options = {title: ‘Effect of Violations and Accidents on New Hampshire Ford Fusion Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in New Hampshire’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of car insurance in New Hampshire per year with no accidents and a clean driving record is $1,494. Receive two speeding tickets and the average cost swells to $2,070, an increase of $575 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for a Ford Fusion increases to an average of $4,036. That’s an increase of $2,541, or $212 per month, just for not driving responsibly!

How to get the best cheap insurance for a Ford Fusion in New Hampshire

The list below summarizes some of the better money-saving ideas that can help drivers quote lower-cost auto insurance.

• Having too many claims will increase rates substantially
• Safe vehicles generally have lower rates
• At-fault accidents can raise rates significantly
• Be a cautious driver
• Insure your home and auto with the same company
• Check for cheaper rates once a year

The last suggestion is incredibly valuable, as we discussed in the prior article. Prices charged by companies vary considerably, so you should be ready to switch carriers if a cheaper price is available. Many drivers have brand loyalty and that’s fine, but we do not recommend it if that loyalty ends up costing a considerable chunk of change every month. If you have a few minutes, compare rates to find cheaper car insurance for a Ford Fusion.

Cheap Ford Fusion insurance quotes

You have many ways to quote and buy auto insurance in New Hampshire, but the most preferred ways are from a captive (or exclusive) agency such as State Farm or Liberty Mutual, an independent insurance agent, or buying direct from a company like Geico or Progressive. They all have the same end result, but it’s important to understand the differences in how they provide rate quotes.

Independent insurance agents write for multiple companies and can do rate comparisons with every one. These agents are usually affiliated with several companies and can provide you with more rates, which can give you improved odds of finding cheaper coverage. If they find a cheaper price, your agent can just switch to a different company which prevents you from having to find an new insurance agent.

A captive or exclusive agent is only able to quote rates from one company, examples being a Liberty Mutual or State Farm agent. Exclusive agents cannot place coverage with different providers, so smart shoppers will want to get additional comparison quotes.

Choosing to buy auto insurance direct means you bypass local agents and instead buy from a direct company like Geico or Progressive. This auto insurance option is good for people who have lower risk management needs and have a good understanding of what coverage limits and deductibles they need.

What is the best method to buy the best cheap insurance for a Ford Fusion in New Hampshire? We wish we could say buying from a direct company yields the cheapest rates because there is no agent involved, but in reality, that argument does not hold true. An argument could also be made that buying from an independent agent guarantees the lowest rates since they have access to many companies, but again, that’s not accurate. For the right applicant, the exclusive agents have really good rates that cannot be beaten by either independent or direct companies.

Because there is so much variation in auto insurance prices, really the only way to find out which one is cheapest is to compare lots of quotes. In a perfect world, youll get price quotes from all three to have enough rates to compare. For a list of companies with online discounts, click here to view.